I had chapter 7 BK in September 2016. November 1st, 2016 I applied for a Discover It and got approved for $1,800.
I have put around $15-20k on it on and off within the last year since I have had it. I usually pay the balance off that month or keep it going for 2-3 months and make large payments. In April 2017 they gave me a measly $200 Auto CLI and that has been it. I have tried multiple times for a CLI but haven't gotten anything.
Their FICO scoreboard shows I am at 642 - and it was around 605 when I got the card.
Any advice on how to get another CLI?
LMAO! I will give it a try. I have literally tried everything to get a decent increase. Im sick of paying it 2x a month. Im blacklisted from CapitalOne and Barclay... not even going to try Chase, Citi or Amex. So this is my only major card I can use places.
Discover sometimes like to see a long period of good credit history, it took me a really really long time to get discover cli at first , but then every three months they would give me a cli until i think i hit my limit where i am at now.
@AverageJoesCredit wrote:
Pray
agree! 😂... i havent figured it out either so dont feel bad though i definitely havnt put as much spend as you! geesh
I would say that it's a damned blessing and act of god that you even got the card after only 2 months from filing chap 7.
Discover is doing you a wicked favor. Currently, that bankruptcy is not even 2 years old, which is how long a measly inquiry stays on for.
You are going to have to do the hardest thing and that is wait. Your bankruptcy over time will become less effective but right now you are a serious risk and again is just crazy that discover did that. Good for you, you should be very loyal to them. Just keep showing them great spend and pay habits and after some time I am sure the disco train will stop in your town.
Good Luck to you!